One of the hardest things about protecting yourself from credit fraud and identity theft is that it is often hard to know when it is happening to you. Fortunately, PrivacyGuard features an advanced alert system that informs you of certain changes to your credit report, significant fluctuations in your Experian Scorex PLUSsm credit score and threats to your personal information online. See details.

Each day, PrivacyGuard monitors your credit files at all three of the national credit reporting agencies - Equifax, Experian and TransUnion. Should someone query your credit files or open a new account in your name, PrivacyGuard sends a credit alert to you, informing you of the change and providing the necessary resources and support you need to assess and rectify it, if necessary. See details.

Activities that may trigger a Credit Alert include new inquiries, certain derogatory information, new accounts opened, public records added to the credit file, or a change of address. If PrivacyGuard does not discover any changes to your triple- bureau credit report over a 90-day period, you are sent an "all-clear" notice, letting you know that there have been no monitored changes to report and that PrivacyGuard is still scanning your credit files every single day.

Every three months, PrivacyGuard's Score Tracker plots your Experian Scorex PLUSsm credit score so you can see how recent credit activity is impacting your credit profile. In addition, Score Tracker will send an alert to you if your credit score has made a dramatic change or reaches one of your designated milestones. A significant change in your score may be the sign of identity theft or an inaccuracy in your report. A significant increase may mean you're making smart financial decisions about your credit. Either way, PrivacyGuard's credit score alerts make it easier to stay on top of your credit picture. See details.

PrivacyGuard continuously monitors the online black market where stolen credit card and Social Security numbers are traded and sold. If PrivacyGuard discovers your registered information (up to ten credit/debit cards) is available on these underground black markets, you are sent an alert and provided the support and guidance needed to help you prevent your cards from being misused. PrivacyGuard may be able to discover that your personal data is in danger within these marketplaces before they are used to commit a crime in your name. So you may be able to actually stop the thieves in their tracks before any damage is done. See details.

PrivacyGuard makes it easy to set up all of your alerts. Best of all, you can take advantage of PrivacyGuard's advanced credit alert system - and all of PrivacyGuard's other benefits - when you sign up to try PrivacyGuard.
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1 Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.

2 Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then you will receive a quarterly notification stating that no information has changed within your credit file.

3 Trilegiant Corporation, Trilegiant Insurance Services, Inc., and Alliance Marketing Association and their credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports, credit scores, Credit Alert® reports or other reports which you receive in connection with the PrivacyGuard service, including any liability for damages, direct or indirect, consequential or incidental.

PrivacyGuard is a service of Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the PrivacyGuard service. Any part of the service may be modified or improved at any time and without prior notice. PrivacyGuard is not available to residents of Rhode Island. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC.